Free Tool

DSCR Calculator

Enter your rental property's income and loan terms to instantly see your Debt-Service-Coverage Ratio, full monthly payment, and projected cash flow.

Property & Loan Details

Adjust the numbers — your DSCR updates instantly.

Gross Monthly Rent

Market or in-place rent for the propertyLoan Amount

Interest Rate

Loan Term

yrs

Monthly Property Taxes

Monthly Insurance

Monthly HOA / Dues

Your DSCR

1.14

0.751.001.25+

Qualifying

The property pays for itself. Most DSCR programs approve at or above 1.00.

Principal & Interest$2,047

Taxes + Insurance + HOA$420

Total Payment (PITIA)$2,467

Estimated Monthly Cash Flow$333

Get Pre-Qualified at dahloanguy.com →

How it's calculated: Monthly principal & interest is amortized from your loan amount, rate, and term, then added to taxes, insurance, and HOA to form the total payment (PITIA). Your DSCR is gross monthly rent divided by that payment. See the full breakdown